Discover

Discover Payment Account Reference

Payment Account Reference (PAR) gives merchants and solution providers an aggregated view of a customer's account without exposing the PAN or the payment token. PAR is the EMVCo-defined non-financial reference value that correlates every transaction on one card account whether it was made with a PAN or with a payment token, which is what makes loyalty, dispute and risk analytics work across tokenized and untokenized channels. Discover offers PAR as an optional add-on to its tokenization products, and PAR absence is a first-class error condition in the Stored Token Services error registry (code 10005).

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Documentation

📖
Documentation
https://partner.discoverglobalnetwork.com/products/payment-account-reference?tab=overview
📖
APIReference
https://partner.discoverglobalnetwork.com/products/payment-account-reference?tab=api-specs

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API entry from apis.yml

apis.yml Raw ↑ 
aid: discover:discover-payment-account-reference
name: Discover Payment Account Reference
tags:
- Payments
- Tokenization
- PAR
- EMVCo
- Reference Data
humanURL: https://partner.discoverglobalnetwork.com/products/payment-account-reference?tab=overview
baseURL: https://apis.discover.com
properties:
- url: https://partner.discoverglobalnetwork.com/products/payment-account-reference?tab=overview
  type: Documentation
- url: https://partner.discoverglobalnetwork.com/products/payment-account-reference?tab=api-specs
  type: APIReference
description: Payment Account Reference (PAR) gives merchants and solution providers an aggregated view
  of a customer's account without exposing the PAN or the payment token. PAR is the EMVCo-defined non-financial
  reference value that correlates every transaction on one card account whether it was made with a PAN
  or with a payment token, which is what makes loyalty, dispute and risk analytics work across tokenized
  and untokenized channels. Discover offers PAR as an optional add-on to its tokenization products, and
  PAR absence is a first-class error condition in the Stored Token Services error registry (code 10005).